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How do US Auto Insurance Rates Compare in 2022?

Compare Car Insurance Rates

Certain items affect your car insurance expenses, including driving history, age, and vehicle type. One of the variables that primarily affect crash protection rates is where you reside, even in cases where postal codes can’t be used as an element in setting your rates. Every state approaches accident coverage laws in an unexpected way, and these changing laws affect the expense of vehicle insurance. Vehicle insurance rates can vary by state by the ton, often in the hundreds or even a whopping number of dollars.

Vehicle insurance rates in the United States by state

Observing your state’s insurance laws can help you know how to handle cases. While you may think it’s helpful to know your state’s base vehicle insurance restrictions, there’s no compelling reason to hold them, since you can’t purchase a vehicle insurance strategy with limits lower than your state’s rule.

  • Ordinary vehicle insurance cost by famous state
  • Ordinary annual expenses for full listing and least coverage for accidents by the state.

Minimum state requirement for liability coverage (in thousands) Average annual cost for minimum coverage Average annual cost for full coverage

  • California: 15/30/5: $733: $2,065
  • FL: 4/40/71: 1101: $2,364
  • Georgia: 25/50/25: $756: 1982
  • MA: 25/40/05: $510: $1,223
  • New York: 25/50/10: $1062: $2,321
  • Texas: 30/60/25: $524: $1,823
  • Washington: 25/50/10: $423: $1,176
  • Washington DC :25/50/10: $706: $1,855
  1. California

Comprehensive vehicle insurance in California regularly costs $418 more annually than the general norm. Golden State’s high insurance costs due to California’s typical cost can be out of this world for core items and a low-placement state foundation. Likewise, two of the four metropolitan areas with significantly more egregious clogs are in California, according to a USA Today survey.

The cost of regular vehicle insurance in California

Comprehensive annual premium for full accident coverage depends on a 40-year-old driver with an exemplary driving record and great credit.

  1. Florida

Florida has one of the greatest annual comprehensive auto insurance rates in the country, starting at $690 above the normal year rate. The higher expenses may be due to the different variables here. For example, Florida residents experience 40.4 hours of blockage each year, about 10 hours more than usual. Furthermore, Florida ranks eighth in most noteworthy population density, which can add to crowded streets and accidents, Statista noted. Likewise, the country ranks third in the most destructive fender folds.

The cost of regular vehicle insurance in Florida

Comprehensive annual premium for full accident coverage depends on a 40-year-old driver with an exemplary driving record and great credit.

  1. Georgia

Comprehensive car insurance in Georgia costs about $308 more than regular general insurance each year. Vehicle insurance rates in Georgia can be expected to rise somewhat to the state’s incapacitated incorporation status. Georgians likewise spend 42 hours in urban traffic each year, which is about 10 hours more than usual and can lead to car accidents. Georgia has the fourth-deadliest car crash of any state, as noted by the World Population Review.

The cost of regular vehicle insurance in Georgia

Comprehensive annual premium for full accident coverage depends on a 40-year-old driver with a clean driving record and great credit.

  1. Massachusetts

Regardless of Massachusetts’ large living expenses, essentially inadequate tire and high street injury rate, drivers in Bay State typically pay $451 less each year than usual for general comprehensive vehicle insurance. One rationale for lower insurance expenses could be that Massachusetts makes the case for the eighth best open travel framework in the country, which urges residents to use public transportation instead of their vehicles.

The cost of regular vehicle insurance in Massachusetts

The regular annual comprehensive collision protection premium is based on a 40-year-old driver with an exemplary driving record and great credit.

  1. New York

With the second-highest regular expense for lowest vehicle insurance in the state and the third-highest regular expense for full listing, New York drivers typically pay more for vehicle insurance than the average driver in the United States. The state’s high insurance rates are largely due to the large number of false insurance claims being filed each year, despite there being more than 11 million registered vehicles, making traffic dense with a greater potential for impact.

The cost of regular car insurance in New York

Comprehensive annual premium for full accident coverage depends on a 40-year-old driver with an exemplary driving record and great credit.

  1. Texas

Texas drivers often pay about $149 more for comprehensive vehicle insurance each year than they normally would. While the state claims normal ratings in typical cost of essentials, crime rate and parkway execution, Texas ranks first for most lethal doubles, which can add to your regular car insurance expense.

The cost of regular vehicle insurance in Texas

The regular annual comprehensive collision protection premium is based on a 40-year-old driver with a clean driving record and great credit.

  1. Washington

Despite the state’s significant living expenses, Washington residents spend nearly $500 less each year on comprehensive car insurance than the average public. Washington generally faces hardly any fatal accidents each year, unlike different countries. Likewise, the state has a low population thickness and pleasant climatic designs, which can add to the state’s generally reasonable vehicle insurance.

The cost of regular car insurance in Washington

Comprehensive annual premium for full accident coverage depends on a 40-year-old driver with a clean driving record and great credit.

  1. Washington, DC

The regular annual cost of comprehensive vehicle insurance in Washington, D.C. is $181 more expensive than the usual year for an extended period of time. The capital of the state has a population thickness several times higher than that of any state, which increases the possible clogging and bends of the fenders. Furthermore, the region has the second largest living expenses in the United States. Which can lead to an increase in the normal expenses for car insurance fees due to increased expenses for repairing the car.

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